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ICICI Pru Banking & Fin Serv Fund (G) - Direct Plan
ICICI Pru Banking & Fin Serv Fund (G) - Direct Plan
Fund-O-Meter Review
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Fund-O-Meter Review
Table of Contents
Rating 1
Yadnya's View 1
Price Chart 1
Fund Overview 2
1. Asset Under Management (AUM) 3
Returns 4
1. Trailing Returns 4
2. Calendar Year Returns 5
3 . Rolling Returns 5
4 . SIP Returns 6
5 . Best & Worst Returns 6
Fund Manager 7
Portfolio Diversification - Sector 9
1 . Stock Sector - Current vs Category Average 9
2 . Stock Sector - Historical 9
Portfolio Diversification - Stocks 10
1 . Stocks - Last Month Buys & Sells 10
2 . Historical Stock Allocation 10
3 . Portfolio Turnover Ratio 11
Expense Ratio 13
Risk Measures - Equity 14
1 . Current vs Category Average 14
2 . Historical 15
Asset Allocation 17
1 . Current vs Category average 17
2 . Historical 17
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Date: 01 Feb 2022
Rating
Fund House & AUM Returns Fund Manager Diversification Diversification Expense Risk
Fund Start Date Stocks Sector Ratio Ratio
Yadnya's View
Pros
Trailing returns of the fund are above category average for all years
Cons
94%
Expense ratio of both direct and regular plan is above category average
Price Chart
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7
6
5
4.27
4
3
2
1
0
0
Jan-22 Jan-22 Jan-22 Jan-22
ICICI Pru Banking & Fin Serv Fund S&P BSE BANKEX - TRI
Fund Overview
ICICI Pru Banking & Fin Serv S&P BSE BANKEX Equity - Sector - Banks &
Fund Financial
Objective To generate capital appreciation / income from a portfolio, predominantly invested in equity &
equity related instrument.
Inference
The fund was started 13 years back. Fund belongs to the 2nd largest Mutual Fund house in India. For good experience and association with
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1. Asset Under Management (AUM)
1497 4700.3
1,500
4,500 1,400
1,300
4,000
1,200
3614.9
3,500 1,100
3210.9
1,000
3,000 2885.5 900
2639.4
800
2,500
700
2,000 600
500
1,500 1362.4 400
1176.6
995.3
300
963.4
1,000 809.9
914
765.8 798.3 200
107
525.7 65 587 . 7 73
100
32 91
500 0 0 306 3 . 3 0 0
415
03
34
0
33
0
269 2 3 42. 52 3 . 9
204.7 0
0 0 0 -22 - 49 --121
0
Jan 2011 Jan 2012 Jan 2013 Jan 2014 Jan 2015 Jan 2016 Jan 2017 Jan 2018 Jan 2019 Jan 2020 Jan 2021 Dec 2021
ICICI Pru Banking & Fin Serv Fund Category Avg ICICI Pru Banking & Fin Serv Fund % Growth
Inference
Currently, this fund is the largest fund in the category by AUM and has shown above category average growth. The fund has shown high growth
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Returns
1. Trailing Returns
32.1
30
26.1
25.6
25
20
14.7
15 14 14.4 14.3 14.1
12.6 12.9
11
10.3
10
ICICI Pru Banking & Fin Serv Fund S&P BSE BANKEX - TRI Equity - Sector - Banks & Financial
Particulars YTD (%) 1 day 1 week (%) 1 m (%) 3 m (%) 6 m (%) 1 y (%) 3 y (%) 5 y (%) 7 y (%) 10 y (%)
(%)
ICICI Pru Banking 5.09 1.29 2.88 5.09 -2.98 4.66 32.15 13.97 14.28 12.93 -
& Fin Serv Fund
S&P BSE BANKEX 7.82 0.72 3.17 7.82 -2.42 11.21 26.12 12.59 14.71 10.32 15.26
- TRI
CATEGORY 4.83 1.04 2.58 4.83 -3.66 6.83 25.59 14.36 14.1 11 -
AVERAGE
Rank within 6 5 6 7 3 13 2 7 7 3 -
category
Number of funds 16 16 16 16 15 15 14 12 11 8 -
in category
As on 31 Jan 2022
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2. Calendar Year Returns
69.9
70 67
63.1
60
50 47
42.5
40
40
30
23.5
21.7
1 9 . 25 0 . 2
20 16
14.8
13.5 13.2
10 7.7
6.5
1.4
0
0 -0.1
-1.9
-3.4
-5.1
- 6 . 7- 7 . 2
-10 -9.3 -9.1
-11.2
ICICI Pru Banking & Fin Serv Fund Category Average S&P BSE BANKEX - TRI
3 . Rolling Returns
Particulars 3 Year 3 Year 3 Year 3 Year 5 Year 5 Year 5 Year 5 Year 7 Year 7 Year 7 Year 7 Year
Lowest Highest Prob Prob Lowest Highest Prob Prob Lowest Highest Prob Prob
(%) (%) Low (%) High (%) (%) (%) Low (%) High (%) (%) (%) Low (%) High (%)
ICICI Pru -8.39 40.14 6.08 27.48 3.30 31.45 10.62 23.76 10.60 21.54 13.38 18.72
Banking & Fin
Serv Fund
Category -4.38 29.24 5.51 20.75 3.24 24.96 9.13 18.94 8.36 19.02 11.24 16.42
Average
S&P BSE 1.19 26.33 10.02 19.92 6.91 19.40 11.21 17.06 -5.33 25.04 4.04 18.94
BANKEX - TRI
As on 31 Jan 2022
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4 . SIP Returns
Particular 1 Year 3 Year 5 Year 10 Year
Week 13.84 29 Jan 2021 - 05 Feb 2021 -27.11 16 Mar 2020 - 23 Mar 2020
Month 27.20 23 May 2020 - 23 Jun 2020 -46.50 23 Feb 2020 - 23 Mar 2020
Quarter 49.63 23 Feb 2014 - 23 May 2014 -46.43 24 Dec 2019 - 24 Mar 2020
Year 107.57 24 May 2020 - 24 May 2021 -43.63 25 May 2019 - 25 May 2020
As on 31 Jan 2022
Inference
Trailing returns of the fund are above category average for all years. Trailing returns are near benchmark in 3 and 5 years period. Calendar year
returns are below category average since 2018. Rolling returns are above category and Benchmark returns which tells the funds consistency.
SIP returns are above category and benchmark for all years.
Overall, returns are above of Category and benchmark performances, so we give 3 Green Stars.
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Fund Manager
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Roshan Chutkey
Priyanka Khandelwal
Vinay Sharma
Ihab Dalwai
Shalya Shah
Venkatesh Sanjeevi
Ashwin Jain
Abhishek Pathak
Atul Patel
Sanjay Parekh
Roshan Chutkey
- Returns of ICICI Pru Banking & Fin Serv Fund since joining of Roshan Chutkey = 6.67% CAGR
Priyanka Khandelwal
- Returns of ICICI Pru Banking & Fin Serv Fund since joining of Priyanka Khandelwal = 8.40% CAGR
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ICICI Pru Dividend Yield Jun 2017 609.56 19.98 14.54
Equity Fund
Inference
Fund is currently managed by Roshan Chutkey from Jan 2018. Roshan is an IIM, Lucknow alumni and also has a Masters degree from London
Business School. He has more than 12 years experience in this industry and is associated with ICICI Pru since 2015.
Fund has experimented a lot with its management, but has now settled with Mr. Chutkey at the helm. Mr. Chutkey is managing this fund from
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Portfolio Diversification - Sector
1.7
4.4 2.6
1.4 6.1
01 .. 59
100 2.8 10 .. 92 2.6 8.3 8.4
1.3
12 7.6 10.3
6.8
6
9.4
9.2 7.2 7.7
1.1
7.6
13.5 10.4 9.7 7 8.9
7.4 14.9 7.7 0.9 0.7
10.7 12.7 0.5 4.3 3.4
4.7
11.8 11.9 10.5
5.6 4.3 11.8 13 13.1
14.2 17.1 14 12.7 12.8
80 16.9 15.5
10.3 18.3 12
18.9 18.3
0.1 14.1
12.2 8.3 13.1 7.3
10.7 13.3 7.1
26.1 13.9 6
3.6 2.2 14 10.4
18.3 4.6 3.9 8.8 13.5 7.9 8.8
24.1 11.7
8.2
60 9.4
8.1
5
14.1 16.3
15.9
12.4 6.2
12.2
3.9 4.5 7.4 8.6 12
8.2 11.2
7.9
2
5.3 3.7
8.6
40
66 65.2 58
58.6 44.7
53.7 45.5
51 49 48.2 47.2
42.6 44.7 49 48.2 47
35.2 40.4
20 30.6
36.8 38.6
0 -7.3 -6.1
-8.8
Bank - Private Finance - Housing Bank - Public Finance - NBFC Mining & Minerals Finance - Others Rating
Inference
Above graph shows how sector allocation of the fund has changed in last 10 years. Clearly, the fund has invested in mix companies from public
and private bank to Housing NBFCs. Currently, funds allocation in private bank companies is 48.16% which is below category average. Overall,
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Portfolio Diversification - Stocks
As on 31 Dec 2021
Holdings PE Dec Dec Dec Dec Dec Dec Dec Dec Dec Dec Dec
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
ICICI Bank 24.62 20.84 15.6 15.13 9.79 10.48 6.84 10.1 13.59 14.1 15.88 17.43
HDFC Bank 22.85 11.73 18.62 20.12 16.89 15.56 13.93 10.04 8.39 9.46 11.93 15.77
Axis Bank 18.76 8.68 - - - 8.67 2.9 2.6 1.87 5.53 9.45 8.62
State Bank Of 16.77 7.18 10.57 7.54 4.01 4.07 5.8 6.66 8.46 8.53 9.91 6.55
India
Max Financial 165.51 - 5.06 6.2 4.68 2.83 - 2.16 1.85 1.65 2.76 2.98
Services
The Federal Bank 11.11 1.77 3.88 4.03 3.81 4.95 4.11 3.78 2.59 3.72 2.85 2.32
Bank Of Baroda 14.6 7.65 2.7 5.79 - 2.47 - 1.83 4.42 6.75 - 1.69
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Equitas Holdings 10.16 - - - - - 2.46 1.8 2.16 1.45 0.73 1.12
DCB Bank - - - - 3.24 2.52 3.03 2.08 2.45 2.02 2.03 0.93
Motilal Oswal 9.02 - - 0.06 1.58 1.65 1.82 1.68 - 2.39 3.32 0.87
Financial Services
Repco Home 6.21 - - 5 5.56 4.5 2.67 1.42 - 0.8 0.69 0.66
Finance
Total Percentage - 60.55 56.43 63.87 52.92 57.7 49.95 52.38 65.37 71.87 84.55 93.1
257.5
260
240 228.6
220
200
180 169
160
146
140
121.4 119.5
120 112
100 89.7
82.2
77 77.5 77 7 7 77.6
80
59
60 4 8 50.1
45 46
39
40
20
0
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Inference
Above graph shows how sector allocation of the fund has changed in last 10 years. Clearly, the fund has invested in mix companies from public
and private bank to Housing NBFCs. Currently, funds allocation in private bank companies is 48.16% which is below category average. Overall,
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Expense Ratio
Direct Plan
1.46
1.4
1.34
1.32 1.31
1.3 1.28
1.25 1.25
1.2 1.18
1.1 1.09
1.02
1.0
Dec-17 Jun-18 Dec-18 Jun-19 Dec-19 Jun-20 Dec-20 Jun-21 Dec-21
ICICI Pru Banking & Fin Serv Fund Category Average
Inference
Expense ratio of both direct and regular plan is above category average. Belonging to a large fund house, a lower expense ratio is expected in
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Risk Measures - Equity
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2 . Historical
Beta
1.0
0.96
0.94
0.93
0.9
0.85
0.83
0.7 0.68
0.6
0.55
0.5
0.41
0.4
Alpha
12
10 9.61
6
3.86
4
2 1.53
0
-0.28 -0.43
-2 -1.93
-2.66
-4
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StandardDeviation
35 34.33
33.51
30 28.51
28.03 27.7
26.55
25
23.05 22.87
21.93
20.25
20 18.91
18.32
17.43
15
10
0
0
Jan-15 Jan-16 Jan-17 Jan-18 Jan-19 Jan-20 Jan-21 Jan-22
ICICI Pru Banking & Fin Serv Fund Equity - Sector - Banks & Financial S&P BSE BANKEX - TRI
PE Ratio
35 33.24
33.02
30
25.94
25
20
15
10
0
0
Jan-12 Jan-13 Jan-14 Jan-15 Jan-16 Jan-17 Jan-18 Jan-19 Jan-20 Jan-21 Jan-22
ICICI Pru Banking & Fin Serv Fund Equity - Sector - Banks & Financial S&P BSE BANKEX - TRI
Inference
Beta has stayed flat in last one year and now it is above category average. Standard deviation is also above category average. Alpha (Risk
adjusted return) has also increased in last one year and it is also above category average. PE ratio of the fund is above category average and
below benchmark average. Overall fund is low risk and high return fund currently and therefore deserves a green Star here
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Asset Allocation
As on 31 Dec 2021
2 . Historical
100
90
80
70
60
50
40
30
20
10
0
Inference
Above graph shows how portfolio allocation of the fund has been changing in last 10 years. Currently large cap allocation is 67.50% which is
below category average of 85.57%. The fund has 14.60% allocation in small caps and 12.81% allocation in mid-caps.
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Rating
Fund House & AUM Returns Fund Manager Diversification Diversification Expense Risk
Fund Start Date Stocks Sector Ratio Ratio
Data Source -
Accord MF, Fund Monthly Factsheets, AMFI Data, Yadnya Research
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